NBT Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	660.21	632.31	552.85	462.67	332.77	302.18
Interest Income on Investments	87.21	78.68	58.82	60.12	51.3	37.7
Total Interest Income	747.42	710.99	611.67	522.79	384.07	339.88
Interest Paid on Deposits	191.24	192.33	186.95	104.64	9.92	10.71
Interest Paid on Borrowings	14.76	17.11	24.6	39.93	11.96	8.07
Total Interest Expense	206	209.45	211.55	144.57	21.88	18.79
Net Interest Income	541.41	501.55	400.12	378.22	362.19	321.09
Net Interest Income Growth	23.27%	25.35%	5.79%	4.43%	12.80%	1.71%
Trust Income	45.21	44.76	41.64	34.76	33.31	33.72
Gain (Loss) on Sale of Investments	0.76	0.15	2.79	-14.07	-1.13	0.57
Other Non-Interest Income	134.29	131.52	115.31	101.31	108.77	110.16
Total Non-Interest Income	200.97	195.49	176.82	137.43	155.58	157.79
Non-Interest Income Growth	10.07%	10.56%	28.67%	-11.67%	-1.40%	7.87%
Revenues Before Loan Losses	742.39	697.04	576.95	515.65	517.77	478.88
Provision for Loan Losses	18.58	32.25	19.61	25.27	17.15	-8.26
Revenue	723.81	664.79	557.34	490.37	500.62	487.14
Revenue Growth	22.41%	19.28%	13.66%	-2.05%	2.77%	18.58%
Salaries and Employee Benefits	263.92	252.2	226.5	189.15	183.3	168.17
Federal Deposit Insurance	8.37	7.89	6.77	6.26	3.2	3.04
Amortization of Goodwill & Intangibles	13.33	11.94	8.44	4.73	2.26	2.81
Selling, General & Administrative	126.87	119.54	106.48	99.25	92.3	90.01
Other Non-Interest Expense	30.24	31.6	25.66	24.93	19.8	20.34
Total Non-Interest Expense	445.38	425.82	376.35	326.94	303.5	287.28
EBT Excluding Unusual Items	278.43	238.97	180.99	163.44	197.12	199.86
Pretax Income	277.31	219.44	179.46	153.46	196.16	199.86
Income Tax Expense	63.16	50.21	38.82	34.68	44.16	44.97
Net Income	214.15	169.24	140.64	118.78	152	154.89
Net Income to Common	214.15	169.24	140.64	118.78	152	154.89
Net Income Growth	60.59%	20.33%	18.40%	-21.85%	-1.87%	48.37%
Basic Shares Outstanding	52	51	47	45	43	43
Diluted Shares Outstanding	52	51	47	45	43	44
Shares Change	8.56%	7.26%	5.95%	3.68%	-1.23%	-0.61%
EPS (Basic)	4.10	3.34	2.98	2.67	3.54	3.57
EPS (Diluted)	4.08	3.33	2.97	2.65	3.52	3.54
EPS Growth	47.11%	12.12%	12.07%	-24.72%	-0.56%	49.37%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.480	1.420	1.320	1.240	1.160	1.100
Dividend Growth	8.82%	7.58%	6.45%	6.90%	5.46%	1.85%
Effective Tax Rate	22.77%	22.88%	21.63%	22.60%	22.51%	22.50%

SEC Filings: 10-K · 10-Q